Rates | Arizona Federal Credit Union

Holiday Closure: All Arizona Federal branches will be closed on Saturday, January 18th & Monday, January 20th in observance of Martin Luther King Jr. Day.

Routing # 322172797

NEW & USED
Auto Loans

Term	Fixed APR* as low as		Minimum Loan Amount
60 Months	3.44%		$2,500	View
72 Months	3.64%		$2,500	View
84 Months	4.04%		$25,000	View

* Annual Percentage Rate. APR shown is the lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $18.00 per month for each $1,000 borrowed at 3.44% APR for 60 months.

Lower your
rate

Members’ Auto Center or Carvana Discount: Reduce rate by 0.25% (lowest available rate 3.19%)

Insurance Discount: Reduce rate by 0.25% with qualifying policy (lowest available rate 3.19%)

Combining both discounts: Reduce rate by 0.50% (lowest available rate 2.94%)

NEW & USED
Motorcycle Loans

Term	Fixed APR* as low as		Minimum Loan Amount
48 Months	4.74%		$5,000	View
60 Months	4.99%		$10,000	View
72 Months	5.34%		$15,000	View
84 Months	5.69%		$25,000	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $23.00 per month for each $1,000 borrowed at 4.74% APR for 48 months.

NEW & USED
RV and Boat

Term	Fixed APR* as low as		Minimum Loan Amount
60 Months	4.99%		$10,000	View
90 Months	5.49%		$30,000	View
120 Months	5.74%		$40,000	View
144 Months	5.99%		$50,000	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $19.00 per month for each $1,000 borrowed at 4.99% APR for 60 months.

NEW & USED
ATVs, UTVs and Personal Watercraft

Term	Fixed APR* as low as		Minimum Loan Amount
48 Months	4.74%		$5,000	View
60 Months	4.99%		$10,000	View
72 Months	5.34%		$15,000	View
84 Months	5.69%		$25,000	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $23.00 per month for each $1,000 borrowed at 4.74% APR for 48 months.

Credit Cards

	Visa® Signature Rewards	Visa® Secured	Visa® Platinum
APR* as low as	17.99%	10.99%	9.24%
	view	view	view

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR may be higher depending on a variety of factors, including borrower’s credit history.

First Mortgage

For current mortgage rates and to get your personalized quote, please contact a Mortgage Specialist.

Home Equity Loan

Term	Fixed APR* as low as		Minimum Loan Amount
60 Months	4.50%		$10,000	View
84 Months	4.75%		$10,000	View
120 Months	5.00%		$10,000	View
180 Months	5.25%		$30,000	View
240 Months	5.75%		$40,000	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, loan to value and loan terms. Membership required based on eligibility. Loan payment example: $19.00 per month for each $1,000 borrowed at 4.75% APR for 60 months.

Home Equity Line of Credit (HELOC)

Term	Variable APR* as low as		Minimum Loan Amount
10 year draw period, 15 year repayment period	4.75%		$10,000	View

* Variable Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility.

Personal Loans

Term	Fixed APR* as low as		Minimum Loan Amount
36 Months	9.25%		$500	View
48 Months	9.75%		$500	View
60 Months	10.25%		$500	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility. Loan payment example: $32.00 per month for each $1,000 borrowed at 9.25% APR for 36 months.

Personal Line of Credit (LOC)

	Fixed APR* as low as		Minimum Loan Amount
	17.99%		$500	View

* Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility.

Checking Plus

Minimum to Earn APY	Dividend Rate (APR)		Annual Percentage Yield (APY)
$25	0.01%		0.01%	view
$1,000	0.05%		0.05%	view
$10,000	0.20%		0.20%	view
$25,000	0.25%		0.25%	view

Minimum opening deposit is $20.

Qualifying transactions to waive $3 monthly Checking Plus fee include 10+ debit/credit card purchases, ACH deposits and withdrawals (e.g., direct deposit, automatic bill pay), and checks written and cleared from your account per month.

Open Checking Plus Account

Money Market

Minimum to Earn APY	Dividend Rate (APR)		Annual Percentage Yield (APY)
$1,000	0.25%		0.25%	view
$25,000	0.50%		0.50%	view
$50,000	0.75%		0.75%	view
$250,000	1.00%		1.00%	view

No minimum opening deposit is required.

To open a Money Market Account, stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.

Basic Savings

Minimum to Earn APY	Dividend Rate (APR)		Annual Percentage Yield (APY)
$25	0.15%		0.15%	view

No minimum opening deposit is required.

To open a Savings Account, stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.

Holiday Club

Minimum to Earn APY	Dividend Rate (APR)		Annual Percentage Yield (APY)
$100	0.15%		0.15%	view

No minimum opening deposit is required.

To open a Holiday Club Account, stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.

Special Savings

Minimum to Earn APY	Dividend Rate (APR)		Annual Percentage Yield (APY)
$100	0.15%		0.15%	view

No minimum opening deposit is required.

To open a Special Savings Account, stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.

Certificates

Term	Minimum to Earn APY		Dividend Rate (APR)		Annual Percentage Yield (APY)
6 Months	$1,000		1.09%		1.10%	View
12 Months	$1,000		1.39%		1.40%	View
24 Months	$1,000		1.59%		1.60%	View
36 Months	$1,000		1.69%		1.70%	View
48 Months	$1,000		1.79%		1.80%	View
60 Months	$1,000		1.98%		2.00%	View

Minimum opening deposits for Share Certificates is $1,000.

To open a Share Certificate, stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.

IRAs

Term	Minimum to Earn APY		Dividend Rate (APR)		Annual Percentage Yield (APY)
12 Months	$1,000		1.39%		1.40%	View
18 Months	$1,000		1.49%		1.50%	View
60 Months	$1,000		1.98%		2.00%	View

Minimum opening deposit for IRA Share Certificates is $1,000.

To open an Individual Retirement Account (IRA), stop by one of our branch locations or call (602) 683-1000.

Current members can request an account by logging in to their online account and clicking Additional Services > Secure Forms.